Douglas County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 5.5 times the county's median home value of $150,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,320 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $150,400 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 5.54× |
| Median household income | $77,320 |
| Median home value ÷ income | 1.9× |
| Population | 19,751 |
| Median property tax paid (owners) | $2,554 |
| Effective property tax rate (approx.) | 1.70% |
| Owner-occupied homes | 76.9% |
| Home value rank in Illinois | 38 of 102 counties |
| Neighbor: Champaign County, IL | limit $832,750; median home $211,500 |
| Neighbor: Coles County, IL | limit $832,750; median home $127,400 |
| Neighbor: Edgar County, IL | limit $832,750; median home $97,300 |
| Neighbor: Moultrie County, IL | limit $832,750; median home $134,000 |
| Neighbor: Piatt County, IL | limit $832,750; median home $180,600 |
| Neighbor: Vermilion County, IL | limit $832,750; median home $97,200 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Douglas County's median home value is 43% below the state median of $263,300 (rank 38 of 102). Among its 6 neighboring counties, Champaign County has the highest median home value ($211,500) and Vermilion County the lowest ($97,200); all share the same loan limit. Owners pay a median $2,554 a year in property tax, an effective rate of about 1.70% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Dougherty County, GA
- 2026 conforming loan limit: Douglas County, CO
- 2026 conforming loan limit: Douglas County, GA
- 2026 conforming loan limit: Douglas County, KS
- 2026 conforming loan limit: Douglas County, MN
- 2026 conforming loan limit: Douglas County, MO
- 2026 conforming loan limit: Douglas County, NE
- 2026 conforming loan limit: Douglas County, NV
Last updated 2026-10-16. Data only, not financial or tax advice.